Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$0Cash toward the purchase price.
Closing costs + prepaids$14,618Not just lender fees.
Before credits & paid funds$14,618The complete starting cash picture.
Estimated remaining funds due at closing
$14,618No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing−$122,880.21
Your down payment$0.00
Closing costs + prepaids$14,617.90
Total buyer cash needed$14,617.90
Remaining funds due$14,617.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,439.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,229.25
Initial HOA (3 months)$37.50
Prepaid interest, first (22 days)$2,043.75
Fees + prepaids$14,617.90
Your down payment is the seller’s equity. You take over the $487,880 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $14,617.90 is due at closing. Not a Closing Disclosure.